Deer Creek Estates Homeowner Association Inc (EIN 752632637) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1995

Legal Domicile

Principal Officer

Debbie Nicholls

Phone

8173807000

Tax Period

2025-01-01 to 2025-12-31

Deer Creek Estates Homeowner Association Inc, founded in 1995, is a small nonprofit in the Housing & Shelter sector that reported $404K in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $63K, a strong 16% operating margin.

Mission

To maintain the common elements of the community.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $387,155

Investment Income $15,462

Other Revenue $1,039

TOTAL REVENUE $403,656

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $303,494

Other Expenses $340,828

TOTAL EXPENSES $340,828

Year-over-Year Comparison

	2025	2024	Change
Revenue	$403,656	$371,547	+0.1%
Expenses	$340,828	$295,971	+0.2%
Net Income	$62,828	$75,576	-0.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Debbie Nicholls	President	1.00	Officer Director	$0	$0	$0
Amanda Davis	Secretary	1.00	Officer Director	$0	$0	$0
Lewis Lowe	Treasurer	1.00	Officer Director	$0	$0	$0
Victoria Dearing	Director	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$403,656	$340,828	$726,874	$62,828
2024	$371,547	$295,971	$640,818	$75,576
2023	$312,249	$336,405	$597,325	$-24,156
2022	$303,232	$305,730	$624,210	$-2,498

Deer Creek Estates Homeowner Association Inc